I have several miscro sd cards, from 4 GB to 32GB and all of them come with a FAT file system. They don't seem to work properly on the D3. It plays the tracks but no tags are displayed. I have since formatted the cards to NTFS and things now work okay. Windows XP doesn't give an option to format these cards to NTFS. It has to be done using DOS. Has anyone had any problems with their FAT cards?